Missouri's Auto Insurance Tracking: What You Need To Know

Missouri requires all drivers to have auto insurance. The state has a point system to track and evaluate driving behaviour, and driving without insurance can result in a suspended license and fines. The minimum insurance coverage required by law is $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Missouri also requires uninsured motorist coverage of $25,000 per person and $50,000 per accident for bodily injury.

Minimum insurance requirements in Missouri

Missouri state law requires all motor vehicle drivers and owners to maintain some form of motor vehicle liability insurance coverage. This is to ensure that motorists have financial responsibility in the event of an accident.

The minimum level of coverage required by state law is:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage

In addition, Missouri state law also requires drivers to have uninsured motorist coverage of:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident

Missouri operates under an at-fault system, meaning that the driver who causes the accident is responsible for covering the damages. Liability insurance covers injuries and property damage that happen as a result of the policyholder's actions.

If you own or operate a motor vehicle in Missouri, you are required by law to insure that vehicle with coverage for injuries you cause to another person, for at least the minimum coverage amounts stated above. The Missouri Department of Revenue is now tracking drivers to make sure they keep their liability insurance policies in force. If you let your coverage lapse, you will be subject to suspension of the vehicle's registration and possibly your driver's license.

Who is covered under an auto insurance policy

In the state of Missouri, drivers are required by law to have automobile liability insurance. The minimum level of coverage required by state law is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. The state also requires uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

Auto insurance policies vary, but generally, they cover the policyholder, their family, and other drivers operating the insured vehicle with the owner's permission. This may include the policyholder's spouse or significant other, parents, siblings, children, and other household members. If the policyholder is driving another vehicle, their auto insurance may also cover them, depending on the policy.

For others not listed on the policy, such as friends or extended family members, coverage depends on consent. If the policyholder has given permission for others to drive their car, they are typically covered under the terms of the policy. This includes situations where extended family members are visiting or staying with the policyholder, sharing the driving responsibility on a long drive, or borrowing the car while theirs is being repaired.

However, there are scenarios where certain drivers and activities are generally not covered by auto insurance policies. These include cases where the driver is paying to use the car, such as through a car-sharing company, or when the driver is explicitly excluded from the policy. Commercial activities, such as using the vehicle for delivering pizzas or ride-sharing, are also typically not covered under standard auto insurance policies.

It is important to note that insurance coverage can vary depending on the insurer, the policy, and the state in which you live. Therefore, it is always advisable to review your specific policy and consult with your insurance agent to understand the exact terms of your coverage.

Missouri auto insurance laws

Missouri is a no-fault state, which means that each accident is dealt with as a comparative fault. Insurance providers award money based on the percentage of fault attributed to each driver. If a driver is found to be 10% at fault for an accident, they will be required to pay 10% of the monetary liability.

Drivers in Missouri must show proof of insurance when registering their vehicle and renewing their license plates. This proof of insurance must be kept in the vehicle at all times, and drivers must show it to law enforcement officials upon request. Failure to maintain insurance coverage can result in fines, license suspension, and even criminal charges.

The Missouri Department of Revenue is now tracking drivers to ensure they keep their liability insurance policies in force. If a driver lets their coverage lapse, they will be subject to suspension of their vehicle registration and driver's license.

There are a few ways for drivers to meet the requirements of the insurance law in Missouri. The most common way is to obtain a motor vehicle liability insurance policy that meets the minimum insurance limits. Drivers can also file proof of financial responsibility with the Department of Revenue or obtain a certificate of self-insurance from the Missouri Department of Revenue.

It is important to note that the minimum insurance requirements in Missouri may not be sufficient to cover all damages in the event of an accident. Drivers should consider their insurance needs and adjust their policy as needed.

Consequences of driving uninsured in Missouri

Driving without car insurance in Missouri can have serious consequences, including heavy fines, suspension of your license and registration, and even jail time. Here are the detailed consequences of driving uninsured in the state of Missouri:

First Offense

For a first-time offense, drivers will have their driver's license, registration, and license plates suspended until they can prove they have obtained insurance. Additionally, they will be required to pay a reinstatement fee of $20 to regain their driving privileges. The driver will also be fined up to $500 and receive four points on their driving record.

Second Offense

If a driver is caught driving without insurance within two years of a previous violation, their driving privileges will be suspended for 90 days. They will also be required to pay a reinstatement fee of $200 and may be fined between $200 and $500. Furthermore, they will receive four points on their driving record, and there is a possibility of jail time of up to 15 days.

Third and Subsequent Offenses

For a third offense or subsequent offenses within two years of a previous violation, the driver's license, registration, and license plates will be suspended for one year. The reinstatement fee increases to $400, and the driver may face additional jail time of up to 15 days and a fine of $200 to $500. Each conviction will add four points to the driving record.

Limited Damages for Uninsured Motorists

Missouri is a "no pay, no play" state, which means that uninsured motorists involved in an accident may face limited recovery for their injuries, even if they are not at fault. Uninsured motorists are not entitled to any money damages for pain and suffering and may only recover the cost of their medical bills.

Long-Term Consequences

The state of Missouri does not have a maximum look-back period for driving without insurance convictions. This means that any tickets or violations will remain on your driving record indefinitely. Accumulating 12 points in 12 months or 8 points in 18 months can result in your license being revoked or suspended for up to 90 days.

In conclusion, driving without insurance in Missouri can result in significant financial penalties, suspension of driving privileges, and even jail time. It is essential for motorists in Missouri to maintain the minimum required insurance coverage to avoid these consequences and ensure they are complying with the law.

How to find the best car insurance in Missouri

Missouri tracks auto insurance by enforcing the law that requires all motor vehicle drivers and owners to maintain some type of motor vehicle liability insurance coverage. The Department of Revenue is now tracking drivers to make sure they keep their liability insurance policies in force.

Consider the minimum insurance requirements in Missouri

Missouri state law requires drivers to carry minimum liability coverage for bodily injury and property damage. The minimum coverage required is $25,000 per person for bodily injury coverage, $50,000 per accident for bodily injury coverage, and $25,000 per accident for property damage. The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

Consider lender requirements

If you lease or finance your vehicle, your lender may require full coverage car insurance, including comprehensive and collision coverage. This will help cover your vehicle repair or replacement costs and medical expenses, regardless of fault. You may also want to consider getting gap insurance, which covers the difference between what you owe on a vehicle and the amount the insurance carrier will pay out if your vehicle is totaled.

Consider your individual needs

Think about your driving habits and unique needs when choosing car insurance. For example, if you only have one car, you may want to add rental reimbursement coverage in case your car needs to be repaired after an accident. If you have a teen driver in your household, ask about discount opportunities and teen driving courses that may help lower premiums. If you have a complex situation or prefer working with an insurance professional in person, look for a company with local agents.

Compare quotes from different companies

Comparing quotes from different insurance companies can help you find the most affordable rate for your coverage needs. USAA, State Farm, and Missouri Farm Bureau are some of the companies with the cheapest rates in Missouri. However, keep in mind that the cheapest option may not always be the best, as you also want to consider the quality of service and coverage options.

Maintain a good driving record and credit score

A clean driving record and a good credit score can help you secure lower insurance rates. Insurance companies often view drivers with higher credit scores as more responsible and charge them lower premiums.

Frequently asked questions